Credit cards with insurance help with trip cancellations via app and online support. Even with Corona? Which cards are particularly helpful – and what needs to be considered.
The corona pandemic has mixed up a lot this year. The travel sector in particular is suffering from the restrictions, and many trips had to be canceled at short notice. Cancellation insurance is worth its weight in gold, but many do not take out separate insurance. Now you can consider yourself lucky if you have one Credit card with insurance and in certain cases get reimbursement of cancellation costs.
Credit cards with insurance: you have to provide this insurance
Of course not everyone has Credit card with insurance the same protection and digital services in one package. But almost all well-known premium credit cards have important insurance policies. In an emergency, these can be called up via the provider’s app, the customer hotline or online form.
Travelers should look out for these insurances:
- Travel withdrawal cost insurance
- Trip cancellation insurance
- Foreign health insurance
- Travel luggage insurance
- Accident insurance
- Comprehensive rental car insurance
- Car cover letter
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With this package you are already very well protected, should something happen on the way. Even inconveniences like lost luggage or flight delays are insured, so you don’t really have to worry about anything.
In times of Corona, travel cancellation insurance is of course particularly exciting. Since the current situation is developing so quickly, overnight you can find yourself in the situation of having to cancel or postpone a long-planned trip.
What does the credit card travel cancellation insurance cover?
A travel cancellation insurance is a top form of coverage, but of course it does not cover all costs. Before you cancel a trip, it is therefore important to carefully study the conditions and, if necessary, to contact the insurance company.
Sometimes a cancellation is not even necessary, and you can negotiate a postponement or a voucher with the tour operator.
A travel cancellation insurance normally covers the cancellation costs in the following cases:
- Death or death of a close relative
- Severe short-term illness such as corona infection (can be proven by a doctor’s certificate)
- Officially ordered entry bans
- Accidents with serious health consequences
- Pregnancy or pregnancy complications
- Unexpected job loss due to operational reasons
- Vaccination intolerance with health effects
- Serious property damage to property (e.g. apartment fire)
- Court subpoena
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The following are not covered:
- Fear of illness / infection (for example with the coronavirus)
- State authority / force majeure (e.g. ordered quarantine)
- Travel warnings from the Federal Foreign Office
- Restrictions due to security measures at the resort
- Cancellation by the travel provider due to the coronavirus
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In the event of a travel warning, insurers have different views. The ADAC then, for example, does not pay – with American Express the costs are covered as long as the trip was booked before the travel warning. A comparison – also in view of pandemic clauses – is definitely worthwhile.
Credit cards with insurance: There are starting credits here
Anyone who is thinking of getting a credit card with comprehensive insurance benefits is currently making a good deal with the American Express Gold Card. The card has a comprehensive insurance package included and is therefore the ideal companion when traveling.
You can also view and manage your transactions in real time in the app. Blocking the card in the event of loss also works so quickly and directly in the app.
When you sign up for a new contract, you currently get a starting credit of 144 euros (with a minimum turnover of 3,000 euros in the first six months) and thus have the monthly fee of 12 euros for the first year.
Frequent travelers can also collect points and exchange them for miles or other bonuses. The promotion for starting credit is limited in time and is valid until November 4th.
In times of Corona and travel bans and warnings, good travel cancellation insurance is a must. Credit cards with insurance are a great way to combine the advantages of a credit card on the go with the ideal protection. By the way: More and more credit cards support Apple Pay to make completely contactless payments on the go.
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